# COMMUNITYAMERICA
Lenexa, KS · NCUA charter 15732 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/communityamerica-15732

Who the members are: federal charter, multiple common bond, organized 1963, low-income designated. 591,912 members of 5,000,000 potential (11.8% of the field); checking penetration 85% (share draft accounts per 100 members); loans per 100 members 51.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $8.98B |
| Members | 591,912 (139.3% YoY) |
| Full-time staff | 1451 |
| Net worth | $866.8M |
| Net worth ratio | 9.7% (p25 of band) |
| ROA (annualized) | 0.94% (p69 of band) |
| Total delinquency | 1.41% (p92 of band) |
| Net charge-offs (annualized) | 1.18% (p92 of band) |
| Loans / shares | 77% (p27 of band) |
| Cash / assets | 7.8% |
| Borrowings / assets | 0.39% |
| Net interest margin | 3.65% (p72 of band) |
| Operating expense / assets | 4.34% (p92 of band) |
| Vehicles % of loans | 26% (p48 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 69% |
| Third-party paper % of net worth | 144% (p51 of band) |
| Vehicle delinquency | 0.55% (p47 of band) |
| Vehicle NCO | 1.50% (p73 of band) |
| Repossessed % of vehicle book | 0.17% (p79 of band) |
| Real estate % of loans | 44% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 160% |
| Core shares % of member funds | 51% |
| Certificates % of member funds | 22% |
| Average share balance | $5,705 |
| Participations bought / yr | $215.8M |
| Participations sold / yr | $0 |
| Participations outstanding | $282.4M |
| Loans outstanding per 100 members | 51% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $20,498 |
| Loans granted, annualized | $2.34B |

## Participation posture (from the same filings)

Bought $215.8M and sold $0 in the latest annualized quarter; $282.4M outstanding purchased (32.6% of net worth), $426.9M sold and retained. Sold in 6 and bought in 2 of the last 8 quarters. Shares 158.0% year over year.

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 3 | thin capital, net worth falling |  |
| 2016-12 | 2 |  | net worth falling |
| 2017-03 | 2 |  |  |
| 2017-06 | 4 | net worth falling, losing money |  |
| 2017-09 | 3 | leaning on borrowings | net worth falling, losing money |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 |  | leaning on borrowings |
| 2018-06 | 4 | loans>95% of shares, leaning on borrowings |  |
| 2018-09 | 5 | delinquency 2x band |  |
| 2018-12 | 5 |  |  |
| 2019-03 | 5 |  |  |
| 2019-06 | 7 | delinquency rising, charge-offs p90 |  |
| 2019-09 | 6 |  | delinquency rising |
| 2019-12 | 6 |  |  |
| 2020-03 | 6 |  |  |
| 2020-06 | 6 | net worth falling | loans>95% of shares |
| 2020-09 | 5 |  | net worth falling |
| 2020-12 | 4 |  | leaning on borrowings |
| 2021-03 | 6 | margin squeeze, leaning on borrowings |  |
| 2021-06 | 6 |  |  |
| 2021-09 | 5 |  | margin squeeze |
| 2021-12 | 3 |  | thin capital, leaning on borrowings |
| 2022-03 | 6 | thin capital, loans>95% of shares, leaning on borrowings |  |
| 2022-06 | 6 |  |  |
| 2022-09 | 6 |  |  |
| 2022-12 | 5 |  | thin capital |
| 2023-03 | 6 | thin capital |  |
| 2023-06 | 9 | net worth falling, repo signal, assets shrinking |  |
| 2023-09 | 9 | delinquency rising | net worth falling |
| 2023-12 | 11 | losing money, members leaving |  |
| 2024-03 | 11 | loan book shrinking | losing money |
| 2024-06 | 11 |  |  |
| 2024-09 | 10 |  | delinquency rising |
| 2024-12 | 9 |  | loans>95% of shares |
| 2025-03 | 8 |  | leaning on borrowings |
| 2025-06 | 7 |  | assets shrinking |
| 2025-09 | 7 | delinquency rising | thin capital |
| 2025-12 | 3 | margin squeeze | charge-offs p90, repo signal, members leaving, loan book shrinking, delinquency rising |
| 2026-03 | 4 | expense trap, charge-offs p90 | margin squeeze |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-03 [CommunityAmerica names 30-year credit union veteran as its new CFO - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxOUXZrUHd0U0pLcnBPYy1fMUtkUHNrR0xKUm1aMnBHMUdwaUliYjBQUUpqaDlxNFBtdGxWeTRpQnRadnBYLXV0bXhrN2FfTXJELV9DMHJwZXVMcDJkM3FDNW92LTRrYWlyRmhXNmU5ZG5ScVh6Ql9pUEhDaDVlTERUWXJGX1ZHb0RUdHY4c1dQTVdCbUZxUlJWcjNUbzQ4UC1PTlNpN0lzZnBUTXM4TVE?oc=5) · The Business Journals
- 2026-06-24 [Arkansas Athletics, CommunityAmerica Credit Union launch multi-year partnership including Razorback Stadium naming rights - Arkansas Razorbacks](https://news.google.com/rss/articles/CBMi5wFBVV95cUxPVG5wUkVRYUVPUVlNYTcwNUxWNjVTZ0FCTU82cWRPT0hILVdEclprZUU0OTg1RExERnRwWFJSSVVKanRxUGFkbGVEamJfMklNdmlqVXFUWC1TSUxMN0c5SmxvRC1PeGNGdzZ1TlFrdTdIM1JMSFhib2hkMTNuS3ZaS2RHRm42Y2lPWi1LZXlJVG9TUW4ya3MzcEhlWWV0M2hBclU4bVd0ZDJhRms0VkhYaGhvMzByVGxJRkNWcXdIRTJnSlg4VUhnRERGOTVscVZJNWNhN2hTOGRTTGtRUG5XWTlPNXpzWU0?oc=5) · Arkansas Razorbacks
- 2026-09-03 [Patrick and Brittany Mahomes will star in new commercial with their kids - Kansas City Star](https://news.google.com/rss/articles/CBMikgFBVV95cUxNQTNqLS1hLWtnOHVEdDZ5cFNoQkJnSEplZEVSaExTWHpKakJZTHFzLVNUakUyQzVrejJKaGtUcDR4R0xXaDJDU2FXNDZ5QkxEdEVwdWFVNlkwandBVVFQY3Zsa0thb19ELUdKU3ZVN1VnS2NlVjc5TnBTUU15dXBYWlJ4dXIydjg2eVdmVHZnTmlXd9IBkgFBVV95cUxOLTJCVENheEo3TXlTWnk2eWtzMjR6WEF5MWN0R2tXaWVaV1ZsdE9obncxbFk1d28xa2JjdzhLR2d6ckhPNXVDbWZYLXJvUmZRaFNXT21WYlJKOWVwZl92TFR5ZUpzSjBncWczbWc0SXJZMXpYcmRrbG96bElQTHF1VkVGUW96bkJKaWJXVlFKbFA4Zw?oc=5) · Kansas City Star
- 2026-09-02 [CommunityAmerica absorbs local credit union put into conservatorship - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQV01ZNms1Y1A4UHZrY21jazU3VXZ1Mk8wMVJyTHQ1NEVWR2gyU2RNaTFQUFItZmlPcXdvNlpjN2hzVWgxUHh2ejAwU0FqRWFSQkVsNWdCNHFZRHFNa1R6UjhFT3gzNnZZdEdHQXpYSnVhQzVaeWhCczFtbF9iaERPSDdVa2ZzTG5YS0hPNUd6bmphTm1ybmZIaEtZX2JVYWQyUHBVaXZ0R28?oc=5) · The Business Journals
- 2025-12-26 [Denver Broncos vs Kansas City Chiefs on Christmas - Official Postgame Show | Chiefs Rewind - Kansas City Chiefs](https://news.google.com/rss/articles/CBMitgFBVV95cUxPd0xSQng0WUxOdXMxNkxkQ2FpbUp4S1NnS0diUmRzaVNqM2YyVUppdHVZV1JGVW16T1M5T3d1Wno1UF96YUg0bi1QM1YxekV1T0pfUFVjSmJpWldrVEdCSHktUEdZYzd3VzFST3lSUERFYjFTNTZHSEtVUnAxbFlzbXBSVTdfQ0lFaV9XeVFhWXd3RmU4LTBNWWhKazA0VHlmZlpLcFRob2NtTnZ5b2JicDZQMmIxUQ?oc=5) · Kansas City Chiefs
- 2026-06-24 [Kansas-Based Credit Union Lands Naming Rights for Razorback Stadium - Arkansas Business](https://news.google.com/rss/articles/CBMilAFBVV95cUxNd3Q3clNLTjhmTkpNd2hheFJ4MnpobkxfSWpGa1c4NXpEVWRtaWlvQmlzSXNzX2M5UjNITXRYc3laTFZ5VG1ROEIwdTJqYzBuWjhoTFhlN2tabngyNEVXWkhMMUVhdlVobmpGWGZUVmFqMC1JSGJzQk9aM1prT1FPVzVHWlcwRmFjR3ZGdzlhbzZXamNY?oc=5) · Arkansas Business
- 2026-06-24 [Arkansas football announces new naming rights deal for Razorback Stadium - Whole Hog Sports](https://news.google.com/rss/articles/CBMi1gFBVV95cUxOVjhyY1RwX01ZdmJvdHdMM0plMHFsbXNRbmcxa0lUS2FkZUdlMzJzNzdYQzJfMzJ4TWkxWGM5TjZjMFFfeHVHWFpQQ2FpMTNmdEkxYlY0TWhsSXNIdF8xbmZxSHBSQTRuU0FNeUN1bUY2Tk93R0Q2ME5reDljN0pJWXIwVVI0dFdIaU90ZjdQODVHMlp0bGVlbkdmd0w1SEYtQW5Qc2NDek9NVHpWRWthRGMxd2FYbEQwNDRzcC1taXpkQVNTMmg3a2owR0VPd2dRaWJuY0dB?oc=5) · Whole Hog Sports
- 2026-06-24 [Hunter Yurachek gives insight into new Arkansas stadium naming rights deal - 247Sports](https://news.google.com/rss/articles/CBMi0wFBVV95cUxPcjBhX1VrVExRZmxDbTFWWk9UdzVJNzFRQmFNVlFyZHZxQVM4ako5ckgyY3B0ckNzZWI5M0xJZ3kwcVdTY0Z6UWZSM3RoNm1BWGFHZ1drNmF4NmRZQlZVdUg5UzZFbEJEbUN5VHRqTHBDU0VWVU9rcGMwZG5OTFJxcUlIclhza2lyUTNUdWRJa1JlenUyN3g1SEZrdjFvUW8xLW5sWEkyaDYwdTJJVHFhUVpnVVd6Qjg1Rmp5aHpYTnpIZnZOa1ZIZ093QzVieUZDQjVF?oc=5) · 247Sports

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=15732 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/52.json (key "15732", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=15732
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide